- Health Insurance Coverage - At A Price That Won't Make You Sick
- By:Alexis Jensen
The cost of health insurance these days, especially for families, is doing a lot more than just making people sick - the outrageously high cost is causing people to lose their life savings and even, in some cases, their homes. How? More than 16% of all families in this country can't afford any health coverage at all. One major illness or accident and these families can lose everything they've worked a lifetime for. But it doesn't have to be this way. There's a simple little secret - one your broker hopes you'll never learn - that could save you 30 or even 40% on your monthly premium.
But before we go into details on how you can easily get your health coverage at wholesale prices, let's discuss a few other things that you really need to consider if you really want to slash the cost of your monthly premium.
One of the simplest things you can do is to pay your premium automatically every month directly from your bank account. In this way your company won't be forced to mail you an expensive bill every month and they are delighted to pass a good portion of their savings along to you in the form of a lower monthly premium.
Most health policies come with a standard 25% co-payment whenever you see your doctor. For many families this is a good way to go. However, if you and your family don't see your doctor on a regular basis maybe it's time you did a little simple math and figured out how much it would cost you to increase your co-pay to 50% vs. the savings you would realize each and every month. You might be surprised at your overall savings if you up your co-pay.
Don't smoke and don't use chew. You've heard it before, but that doesn't make it any less true. You will NEVER get the best rate on your health insurance if you smoke or use chew. It's time to make a choice.
Increasing your deductible will lower your premium. Just be careful that you don't get carried away and increase your deductible past the point at which you can actually afford to pay for it every year.
So what's the Big Secret, the one that will lower the cost of your health insurance down to 1990 levels? It's really quite simple. All you need to do is to buy your policy online.
Online brokers have virtually no overhead and you know what that means. It means they can charge you wholesale prices for your coverage and still make a profit. But there's even more. Online brokers have just a TON of competition, and when there's this much competition there's only one way for a broker to stay in business - by slashing his or her prices even further!
The bottom line is: YOU WIN! By buying your policy online you'll get it at prices that will make you feel as if you have stepped back in time. And there's another plus as well. When you buy your policy online there's no agent standing at your shoulder talking you into buying more coverage than you need or can afford.
When you buy your policy online not only do you save 30% to even 40%, but YOU are in complete control of your insurance-buying experience - and isn't that nice for a change?
So get online - today - and see for yourself just how much you can save.
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